Agreement to these terms

By creating an account or using bankiofinance.com, you agree to these terms and to our Privacy Policy. If you do not agree, do not use the service.

Eligibility

You must be at least 18 years old and able to enter a binding agreement to open an account. You agree that everything you tell us, including during identity verification and loan applications, is true, accurate and your own.

Your account

• Keep your password private. You are responsible for activity that happens under your account.
• Tell us right away at [email protected] if you think someone else has accessed your account.
• You may have only one account unless we agree otherwise.

Identity verification

We may ask you to verify your identity before you can use some features. We may decline, limit or suspend an account if we cannot verify it or if we believe the information provided is not genuine.

Deposits, transfers, withdrawals and fees

Deposit, transfer and withdrawal requests are reviewed before they are completed. We may delay or decline a request, for example to check for fraud or when information is missing or incorrect.

Any fee that applies to a request is shown to you before you confirm it.

Loans

Submitting a loan application does not guarantee approval. Every application is reviewed, and any approval, amount, rate and term will be set out in the offer you receive. Loan calculators and example figures on our website are estimates only and are not offers of credit.

Acceptable use

You agree not to:

• use Bankio for fraud, money laundering or any other unlawful purpose;
• use another person's identity, account or payment details;
• try to access accounts, data or systems you are not authorized to access;
• interfere with, overload or disrupt the service; or
• copy or collect content or data from the service using automated tools without our permission.

Suspension and closing your account

You can ask us to close your account at any time by emailing [email protected]. We may suspend or close an account if you break these terms, if we are required to by law, or to protect you, other users or Bankio.

Third-party services

Some features rely on third-party services, such as live chat and WhatsApp. Your use of those services is also subject to their own terms, and we are not responsible for them.

Disclaimers

The service is provided "as is" and "as available". To the extent the law allows, we do not promise that it will always be available, uninterrupted or error-free. Information on our website is general and may change without notice.

Limitation of liability

To the extent the law allows, Bankio is not liable for indirect, incidental or consequential losses arising from your use of the service. Nothing in these terms limits any liability that cannot be limited under applicable law.

Changes to these terms

We may update these terms. When we do, we will change the date at the top of this page, and we will tell you about significant changes by email or in your dashboard. If you keep using Bankio after a change takes effect, you accept the updated terms.

Contact us

Questions about these terms can be sent to [email protected] or through our contact page.